Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #8987365
Complaint Overview
Complaint ID: 8987365
Company: American Express Company
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-Issue: Transaction was not authorized
State: California
ZIP Code: 90066
Date Received: 2024-05-11T12:00:00-05:00
Date Sent to Company: 2024-05-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Request for Investigation and Refund of Fraudulent Charges Dear Consumer Financial Protection Bureau, I am writing to report several unauthorized transactions on my Blue Bird American Express account, totaling {$1500.00}, which I did not initiate. Despite disputing these charges with Blue Bird, they have denied my dispute without providing a reason for their decision. I firmly believe these charges to be fraudulent, as I have never visited the city where these transactions took place. The unauthorized transactions in question are as follows : List of Fraudulent Charges : Store Purchase XXXX # XXXX XXXX XX/XX/2024 - {$20.00} XXXX XXXX XXXX Withdrawal XXXX XXXX XX/XX/2024 - {$2.00} XXXX Withdrawal XX/XX/2024 - {$280.00} Fee For XXXX Withdrawal XXXX XXXX XX/XX/2024 - {$2.00} XXXX Withdrawal XX/XX/2024 - {$280.00} Fee For XXXX Withdrawal XXXX XXXX XX/XX/2024 - {$2.00} XXXX Withdrawal XX/XX/2024 - {$120.00} Store Purchase XXXX XXXX XXXX XXXX XX/XX/2024 - {$21.00} Fee For XXXX Withdrawal XXXX XXXX XX/XX/2024 - {$2.00} XXXX Withdrawal XX/XX/2024 - {$100.00} Fee For XXXX Withdrawal XXXX XXXX XX/XX/2024 - {$2.00} XXXX Withdrawal XX/XX/2024 - {$120.00} Fee For XXXX Withdrawal XXXX XXXX XX/XX/2024 - {$2.00} XXXX Withdrawal XX/XX/2024 - {$260.00} Fee For XXXX Withdrawal XXXX XXXX XX/XX/2024 - {$2.00} XXXX Withdrawal XX/XX/2024 - {$260.00} Total of Fraudulent Charges : {$1500.00} I did not authorize any of these purchases nor have I engaged in these transactions. As such, I am requesting a thorough investigation into these fraudulent activities and a refund of the unauthorized amounts to my account. Please find attached the email correspondence with Blue Bird American Express for your reference, which includes all relevant information regarding the disputed charges. I appreciate your prompt attention to this matter and look forward to a swift resolution. Sincerely, XXXX XXXX Blue Bird AMEX XXXX : XXXX XXXX XXXX XXXX XXXX This is the email I sent to Blue Bird to investigate the charges, and I filled out a DECLARATION OF FRAUD : Subject : Request for Investigation and Refund of Fraudulent Charges Dear Blue Bird American Express Customer Service, I am writing to report several unauthorized transactions on my account, totaling {$1500.00}, which I did not initiate. Upon reviewing my recent statements, I discovered charges that I believe to be fraudulent. The transactions in question include XXXX XXXX XXXX # XXXX XXXX XX/XX/2024 - {$20.00} Fee For XXXX Withdrawal XXXX XXXX XX/XX/2024 - {$2.00} XXXX Withdrawal XX/XX/2024 - {$280.00} Fee For XXXX Withdrawal XXXX XXXX XX/XX/2024 - {$2.00} ATM Withdrawal XX/XX/2024 - {$280.00} Fee For XXXX Withdrawal XXXX XXXX XX/XX/2024 - {$2.00} XXXX Withdrawal XX/XX/2024 - {$120.00} Store Purchase XXXX XXXX XXXXXXXX XXXX XX/XX/2024 - {$21.00} Fee For XXXX Withdrawal XXXX XXXX XX/XX/2024 - {$2.00} XXXX Withdrawal XX/XX/2024 - {$100.00} Fee For XXXX Withdrawal XXXX XXXX XX/XX/2024 - {$2.00} XXXX Withdrawal XX/XX/2024 - {$120.00} Fee For XXXX Withdrawal XXXX XXXX XX/XX/2024 - {$2.00} XXXX Withdrawal XX/XX/2024 - {$260.00} Fee For XXXX Withdrawal XXXX XXXX XX/XX/2024 - {$2.00} XXXX Withdrawal XX/XX/2024 - {$260.00} I did not authorize these purchases nor do I have any record of engaging in these transactions. Given the nature of these charges, I kindly request that you conduct a thorough investigation into these fraudulent activities and take appropriate action to refund the unauthorized amounts to my account. I understand the seriousness of such unauthorized transactions and trust that American Express will prioritize the security of my account. Please keep me informed throughout the investigation process and provide updates on the status of my refund request. I appreciate your prompt attention to this matter and look forward to a resolution soon. Thank you for your assistance. Sincerely, XXXX XXXX Blue Bird AMEX XXXX : XXXX XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #8987365 about?
Complaint #8987365 was filed against American Express Company regarding Checking or savings account specifically about Problem with a lender or other company charging your account. It was received by the CFPB on 2024-05-11T12:00:00-05:00.
How did American Express Company respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against American Express Company?
Yes, visit the American Express Company company profile at readthecomplaint.com/company/american-express-company to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.